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Mosaic Adviser
Financial insight that earns its place in your inbox.
Original analysis on family office, accounting, payroll, personal finance and the financial news that moves markets — written by the specialists behind Mosaic Financial Solutions.
Topics
Five lenses on your money.
Each topic is curated by the Mosaic specialists who work in it every day.
Family Office
Structuring, estate planning, fiduciary and inter‑generational wealth.
Accounting
Financial statements, compliance and the numbers behind the business.
Payroll
Employee tax, statutory submissions and getting payroll right.
Personal Finance
Tax, retirement, risk and making the most of what you earn.
Financial News
Markets, the economy and the regulation that shapes your money.
Fresh thinking, published as it happens.
The most recent articles, pulled live from the Mosaic Adviser editorial system.
Financial News
Eskom lifts energy availability by 5.75 points year-on-year, eases load cuts for 1m+ customers
State power utility Eskom says it sustained a stable electricity supply, improved its energy availability factor by 5.75 percentage points year‑on‑year and removed more than one million customers from load reduction measures in the reported period.
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Financial News
South African Reserve Bank classifies cash as critical public infrastructure
The South African Reserve Bank (SARB) has changed its stance on cash, now treating cash as critical public infrastructure to be protected and modernised rather than an obstacle to a digital economy. The shift affects policy and operational approaches to currency provision and access.
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Financial News
Report: Mobile money now core financial infrastructure across Africa — what it means for SA
A Forbes Africa article highlighted that mobile money has moved beyond niche convenience to become a core infrastructure across African economies, playing a central role in financial activity and economic growth, according to PayInc and BankservAfrica.
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Financial News
Digital money, data standards and rail upgrades set to speed up cross‑border payments
Digital money, improved data standards and upgraded payment infrastructure are converging to make global payments faster and richer in information. The shift goes beyond instant settlement and blockchain headlines to broader changes in how transactions are processed and data travels across systems, according to the art
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Financial News
Power output slumps to 2002-era low as inflation quickens: what June’s data signal
Statistics South Africa published 28 releases in June. Electricity generation fell sharply to its lowest non-pandemic level since 2002. Manufacturing and some transport and construction measures declined, while mining, retail, motor trade and tourist accommodation rose. Consumer inflation accelerated to 4.5% in May and
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Financial News
State-owned PIC discloses 20.098% stake in Aspen Pharmacare, crossing key threshold
Aspen Pharmacare Holdings Limited has been notified that Public Investment Corporation SOC Limited now holds a 20.098% interest in the company’s issued ordinary shares. The company filed the required notice with the Takeover Regulation Panel and confirms the disclosure.
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Financial News
A.P. Moller Holding moves on Ocean Yield, sharpening consolidation in ship leasing
A.P. Moller Holding announced it will acquire Ocean Yield from KKR. The transaction transfers ownership of the ship-owning and leasing business from the private equity firm KKR to A.P. Moller Holding. No financial terms or completion timeline were provided in the announcement.
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Family OfficeLegacy appropriation: when a family office is hijacked
Family offices exist to serve the family and preserve its long-term vision. Without robust governance, the office can be captured by an individual or faction who steers its resources towards their own agenda. This is legacy appropriation - and it is more common than most families acknowledge.
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Financial News
Tencent delays 2026 results amid ongoing review, warns of possible HK trading suspension
The company notified the Hong Kong Stock Exchange of a delay in publishing its 2026 annual results and annual report due to an ongoing review. It said this may lead to a temporary suspension of trading in its securities while the issues are resolved and the information is disclosed.
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Financial News
HKEX:0005 delays 2026 results and annual report; postpones board meeting and halts trading
The company notified the stock exchange of a delay in publishing its 2026 annual results and a possible delay in sending the 2026 annual report. It also announced postponement of a board meeting previously scheduled to approve results and the suspension of trading in its shares pending publication.
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Financial News
HSBC halts Hong Kong trading without explanation, timeline unclear
A Hong Kong Exchanges and Clearing Limited (Hong Kong Exchange) listed company has notified the exchange of a suspension of trading in its securities. The announcement provides no further details on the reason for or expected duration of the suspension.
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Financial News
HSBC trading halted in Hong Kong with no explanation, stoking index-level uncertainty
The issuer notified the Hong Kong Stock Exchange that trading in its securities has been suspended. No further details or reasons were provided in the announcement. The company did not specify timing for resumption or disclose additional information.
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Financial News
HSBC delays 2026 results and annual report; board meeting postponed as HK trading is suspended
The company says it cannot publish its 2026 annual results or despatch the 2026 annual report on time due to ongoing enquiries by regulators and advisors. A board meeting to approve results is postponed and trading of the company’s securities on the exchange is suspended pending publication.
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Financial News
HSBC trading halted in Hong Kong without explanation, raising questions over next steps
A company notified the Hong Kong Exchanges and Clearing Limited that trading in its securities has been suspended. No further details were provided in the announcement about the reason, expected duration or next steps. Investors were referred to further announcements from the company and the exchange.
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Financial News
HSBC delays FY2026 results, warns of annual report slippage; trading suspended in Hong Kong
The company notified delays in publishing its annual results and possibly its annual report for the year ended 31 March 2026. It cites unresolved matters requiring more time to finalise the financial statements. Pending resolution, the company’s securities have been suspended from trading. No dates for publication or r
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Financial News
naamsa’s June flash report puts exports and short‑term outlook in sharper focus
naamsa The Automotive Business Council reports June 2026 vehicle sales and production trends for South Africa, covering new vehicle sales, export volumes, production activity and short-term market outlooks. The report summarises industry performance and developments for the month.
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Financial News
NAAMSA reports June 2026 new vehicle sales statistics
NAAMSA, the National Association of Automobile Manufacturers of South Africa, released its June 2026 new vehicle sales statistics covering domestic sales, exports and model segments. The release provides monthly sales volumes and year-to-date comparisons but contains no forecast or guidance.
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Financial News
Remgro seals Mediclinic reshuffle: exits Swiss Hirslanden, takes Southern Africa business
Remgro Limited says it implemented a previously announced restructuring with Investment Holding Limited S.à.r.l and Mediclinic parties on 1 July 2026. Remgro sold the Swiss Hirslanden business to IHL and acquired the Southern African MCSA business for adjusted consideration; cash and in specie loan distributions were u
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Financial News
80,000 jobs shed as formal employment slips to 10.468m in Q1 2026
Statistics South Africa reports total employment in the formal non‑agricultural sector fell by 80 000 (0.8%) quarter‑on‑quarter to 10.468 million in March 2026, with community services and trade hardest hit. Full‑time and part‑time roles both declined; gross earnings fell R43.4 billion quarter‑on‑quarter but rose 5.2%
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Financial News
CEE flags enduring hierarchy in South Africa’s labour market by race, gender and disability
The Commission for Employment Equity reports that South Africa’s labour market structure remains hierarchical, with disparities primarily along race, then gender, and then disability. The Department of Employment and Labour provided the commission’s findings, highlighting persistent inequality in representation and opp
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Financial News
Labour Dept moves to cancel Public Servants Association registration after court findings
The Department of Employment and Labour confirms a Government Gazette notice stating its intention to cancel the registration of the Public Servants Association. The move follows findings by the Labour Court; the department says affected parties will be notified and legal processes will continue.
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Financial News
GCR Ratings issues Africa regional credit update spanning Kenya to West Africa
Global Credit Rating Company (GCR Ratings) published a regional credit update on July 1, 2026, covering developments in Kenya, Mauritius, Nigeria, South Africa and West Africa. The update provides ratings analysis and commentary on sovereign and corporate credit trends across these jurisdictions.
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Financial News
TFG names Mamongae Mahlare as independent director and reshapes board ahead of retirements
The Foschini Group appointed Mamongae Mahlare as an independent non-executive director effective 1 July 2026. Two long-tenured directors are reclassified from independent non-executive to non-executive due to tenure over 12 years. Directors Ronnie Stein and David Friedland will retire at the annual general meeting on 3
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Financial News
Glencore sets dates for half‑year production report and results, with live webcast
Glencore plc will publish its 2026 Half‑Year Production Report on 29 July 2026 at 07:00 UK time and its 2026 Half‑Year Results on 5 August 2026 at 07:00 UK time. A live audio webcast of the results presentation will start at 08:00 UK on 5 August with slides downloadable from the company website and an on‑demand replay
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